# Finnovate — India's Financial Fitness Platform

> Finnovate Financial Services Pvt. Ltd. (SEBI RIA: INA000013518 | AMFI ARN: 52128 | IRDAI Corporate Agency: CA0703) is a fee-based, SEBI-registered Investment Advisor headquartered in Mumbai, India. We provide goal-based financial planning covering investments, insurance, budgeting, loans, tax, and estate planning to 3,500+ families and professionals. AUM: ₹1,200+ crore. 1 lakh+ individuals empowered. Founded 2008.

Finnovate operates under SEBI's Investment Advisor Regulations 2013. We charge a transparent advisory fee and provide unbiased, conflict-free financial advice. We do not sell commission-based products, do not provide stock tips or speculative recommendations, and are not a mutual fund distributor. Our advisors hold CFP and related credentials.

**Principal Officer:** Nehal Mota (Co-Founder & CEO) | nehal.mota@finnovate.in | +91 9152022446
**Support:** services@finnovate.in | +91 9819022600
**Office:** The Summit Business Park, 7th Floor, Unit 703, Andheri-Kurla Road, Andheri East, Mumbai – 400069
**Registrations:** CIN: U67190MH2007PTC172272 | GST: 27AABCF1124C2ZC | BSE Member: 17548

## About & Credentials

- [About Finnovate](https://www.finnovate.in/about-us): Company history since 2008, founders Nehal Mota (Co-Founder & CEO, 20+ years — ICICI Prulife, ABN AMRO Bank, IIFL) and Naveen Singh (Co-Founder & CTO, 15 years financial services), SEBI registration details, FinnFit framework, and team
- [SEBI Investor Charter](https://www.finnovate.in/sebi-investor-charter): Regulatory disclosures, SEBI registration details, investor rights and obligations as a SEBI-registered Investment Advisor
- [Testimonials](https://www.finnovate.in/testimonials): Client reviews and success stories from 3,500+ families served

## Services

- [Advisory Hub](https://www.finnovate.in/advisory/): Overview of all SEBI-registered, fee-only advisory services — financial planning, wealth management, tax, retirement, and estate planning
- [Financial Planning](https://www.finnovate.in/advisory/financial-planning): Goal-based financial plans covering home purchase, children's education, retirement, and wealth creation — coordinated into one plan for every life stage
- [Retirement Planning](https://www.finnovate.in/advisory/retirement-planning): Corpus estimation, NPS and EPF integration, SWP structuring, and healthcare provisioning for retirement
- [Tax Planning](https://www.finnovate.in/advisory/tax-planning): Year-round tax planning for investors — capital gains, tax regime selection, 80C, NPS, ELSS, and common tax-saving mistakes
- [Wealth Management](https://www.finnovate.in/advisory/wealth-management): Ongoing portfolio advisory with quarterly reviews, goal tracking, rebalancing, and tax coordination
- [Estate Planning](https://www.finnovate.in/advisory/estate-planning): Will guidance, nomination audits, trust structuring, and digital asset succession planning for families
- [Financial Planning for Doctors (DOCTORPro)](https://www.finnovate.in/services/financial-planning-for-doctors/): Specialised financial planning for medical professionals addressing high income, irregular cash flows, practice loans, professional indemnity, and retirement

## What We Do Not Do

Finnovate does not provide speculative stock tips, intraday trading advice, cryptocurrency advisory, commission-based product distribution, or informal free advice. All advisory engagements are fee-based and governed by SEBI Investment Advisor Regulations 2013.

## Portfolio Tracking

- [Portfolio Tracking](https://www.finnovate.in/track-page): Consolidated view of all investments across asset classes and real-time net worth tracking

## Tools & Calculators

- [FIRE Calculator](https://www.finnovate.in/fire-calculator): Calculate your Financial Independence Retire Early number based on current expenses, savings rate, and expected return
- [Retirement Calculator](https://www.finnovate.in/retirement-calculator): Calculate the retirement corpus needed and monthly savings required to retire comfortably
- [SIP Calculator](https://www.finnovate.in/sip-calculator): Estimate long-term wealth creation from a Systematic Investment Plan
- [Step-Up SIP Calculator](https://www.finnovate.in/step-up-sip-calculator): See how increasing your SIP by 10% annually grows your corpus versus a flat SIP — with year-wise projections
- [SWP Calculator](https://www.finnovate.in/swp-calculator): Model monthly income via Systematic Withdrawal Plan from a retirement corpus
- [XIRR Calculator](https://www.finnovate.in/xirr-calculator): Calculate extended internal rate of return for investments with irregular cash flows
- [CAGR Calculator](https://www.finnovate.in/cagr-calculator): Calculate compounded annual growth rate of any investment
- [Asset Allocation Calculator](https://www.finnovate.in/asset-allocation-calculator): Find your starting equity, debt, and gold allocation based on age, investment horizon, and risk profile
- [Capital Gains Tax Calculator](https://www.finnovate.in/capital-gain-tax-calculator): Estimate LTCG and STCG tax on equity, mutual funds, property, and gold — with current rates for the latest financial year
- [HRA Calculator](https://www.finnovate.in/hra-calculator): Calculate HRA exemption under Rule 2A — metro vs non-metro limits, exempt vs taxable HRA for the old tax regime
- [Child Education Planner](https://www.finnovate.in/child-education-plan-calculator): Estimate future college costs in India with inflation and calculate the required SIP with step-up
- [Loan Prepayment Calculator](https://www.finnovate.in/loan-prepayment-calculator): Compare reduce-tenure vs reduce-EMI strategies and calculate total interest saved from prepayments
- [EMI Calculator](https://www.finnovate.in/emi-calculator): Calculate loan EMI for home and personal loans
- [Earn Back EMI Calculator](https://www.finnovate.in/earnback-emi): Smart loan repayment calculator — see how investing EMI savings builds wealth over time
- [My First 1 Crore Calculator](https://www.finnovate.in/my-first-1-crore): Calculate how to reach your first ₹1 crore — how much to save, at what return, and by when
- [Dream Vacation Calculator](https://www.finnovate.in/dream-vacation): Calculate monthly investment needed to fund a dream vacation by a target date
- [All Calculators](https://www.finnovate.in/calculators): Full suite of free financial planning tools

## Educational Content

- [Blog](https://www.finnovate.in/learn/blog-listing): Articles on personal finance, mutual funds, insurance, tax planning, and retirement — written by SEBI-registered advisors
- [Financial Glossary](https://www.finnovate.in/glossary/): Plain-language definitions of financial terms — SIP, XIRR, ELSS, NPS, EPF, CAGR, alpha, beta, and more
- [Finnversity](https://www.finnovate.in/learn/finnversity): Online financial literacy courses and learning modules for investors
- [Videos](https://www.finnovate.in/learn/videos): Educational video library on investing, insurance, tax, and personal finance
- [Podcast](https://www.finnovate.in/podcast): Audio episodes on financial planning and wealth building
- [Newsletters](https://www.finnovate.in/newsletters): Monthly Financial Fitness Journal covering market updates and planning insights
- [News & Media](https://www.finnovate.in/news-articles): Finnovate media coverage in Mint, CNBC TV18, Business Insider, Moneycontrol, Forbes, and Business Standard

## Get Started

- [Book a Free Consultation](https://calendly.com/finnovate/financial-fitness-consultation): Schedule a 30-minute introductory financial fitness consultation with a Finnovate advisor
- [FIRE Number Consultation](https://calendly.com/finnovate/fire-number-consultation): Book a call focused on calculating your Financial Independence number and early retirement planning
- [Tax Planning Consultation](https://calendly.com/finnovate/tax-planning): Book a call for personalised tax planning — capital gains, regime selection, 80C, NPS, ELSS
- [Withdrawal Strategy Consultation](https://calendly.com/finnovate/withdrawal-strategy-consultation): Book a call to plan your retirement withdrawal strategy — SWP, corpus drawdown, and income structuring
- [Returns Review Consultation](https://calendly.com/finnovate/returns-review-consultation): Book a call to review your existing portfolio returns and get an independent assessment
- [Financial Fitness Test](https://plan.finnovate.in/finnfit): Self-assessment to evaluate your current financial health across six dimensions — investments, insurance, budgeting, loans, tax, and estate planning
- [Advisory Plans](https://www.finnovate.in/advisory): Overview of financial advisory engagement options and fee structures
- [Client Portal](https://et.finnovate.in): Login for existing Finnovate clients to access portfolio and financial plan
- [Contact Us](https://www.finnovate.in/contact-us): Mumbai office address, phone, email, and enquiry form

## Optional

- [Partners](https://www.finnovate.in/partners): Technology and financial product partners
- [Careers](https://careers.finnovate.in): Open roles at Finnovate Financial Services
- [Community](https://t.me/+Se10oapGSsXWtg62): Telegram community for financial planning discussions
- [Privacy Policy](https://www.finnovate.in/privacy-policy): Data collection and privacy practices
- [Terms & Conditions](https://www.finnovate.in/terms-conditions): Terms of use for Finnovate services
- [Refund Policy](https://www.finnovate.in/refund-policy): Advisory fee refund policy
- [Complaint Redressal](https://www.finnovate.in/Compliant-redressal): Grievance redressal process and SEBI SCORES portal details
- [Lodge a Complaint](https://www.finnovate.in/Lodge-Complaints): Online complaint submission form